✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Auto Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Drive with Confidence. Protect What You Drive.

Affordable, comprehensive auto insurance for individuals and families across Missouri, Iowa, Illinois, and Kansas — from a local agency that knows you by name.

★★★★★ 5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Independent AgencyUnbiased advice
4 StatesMO, KS, IA, IL
All VehiclesCars, trucks, SUVs, more
Local SupportTwo Missouri offices
Why It Matters

Why Auto Insurance Is Critical

Auto accidents happen every day — and a single uninsured incident can cost tens of thousands of dollars in medical bills, vehicle repairs, and legal fees. In all four states we serve, liability coverage is required by law. But required minimums rarely protect you fully.

As an independent agency, Brawner Insurance compares 50+ carriers to find the right auto policy for your vehicle, your driving history, and your budget — not just the cheapest option on the market.

Auto insurance coverage
1 in 8 drivers on the road are uninsured — putting you at risk
$23K+ avg cost of an auto accident with injuries
50+ carriers we compare to find your best rate

As an independent agency, we shop multiple carriers and find you the best combination of price and protection — not just the plan that works for one company.

Compare Auto Coverage →

Ready to protect your vehicle?

We'll compare carriers, find the gaps, and build coverage that fits your driving life and budget.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Auto Coverage Through Brawner

Every driver has different needs. Here's what we help individuals and families put in place.

Liability Coverage

Liability Coverage

Covers bodily injury and property damage you cause to others in an accident. Required by law in all four states we serve.

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Collision Coverage

Collision Coverage

Pays for damage to your vehicle from a collision with another car or object — regardless of who is at fault.

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Comprehensive Coverage

Comprehensive Coverage

Covers non-collision damage — theft, vandalism, weather, hail, and animal strikes. Essential in the Midwest.

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Uninsured Motorist

Uninsured Motorist

Protects you if you're hit by a driver with no insurance or not enough coverage. 1 in 8 drivers is uninsured.

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Additional Coverage

Additional Coverage

Roadside assistance, rental reimbursement, medical payments, and gap coverage for financed or leased vehicles.

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Every Driver Is Different

Let's build your policy.

We tailor auto coverage to your vehicle and driving needs.

Talk to an Agent →

Not sure what coverage you need?

We'll review your situation, compare carriers, and recommend what actually makes sense for your vehicle and budget.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Getting Started

How to Get Auto Insurance

1

Tell Us About Your Vehicle

Call us or fill out our contact form. Share your vehicle details, driving history, and current coverage.

2

We Shop the Market

We compare 50+ carriers side by side to find the best combination of price and protection for your situation.

3

Choose Your Coverage

We walk you through your options clearly. Liability only, full coverage, or everything in between — your choice.

4

Get Covered Fast

We handle the paperwork. Most policies can be bound same day — you get your ID cards and hit the road protected.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why 'Shopping Insurance Every Year' Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series | Real Fire & EMS Insurance Conversations

Real conversations about fire and EMS coverage, risks, and solutions for districts across Missouri.

Watch on YouTube →

Looking for guidance specific to your needs?

Schedule a Consultation →
Your Options

Liability-Only vs. Full Coverage — Which Fits You?

The two main approaches to auto insurance work very differently. Here is what you need to know before choosing.

Option 1

Liability-Only Coverage

  • Meets state minimum requirements to drive legally
  • Pays for injuries and damage you cause to others
  • Lowest monthly premium of any auto policy
  • Does not cover damage to your own vehicle
  • No theft, weather, or vandalism protection
  • Best for older paid-off vehicles with low value

Best for: drivers with older vehicles who want minimum legal coverage at the lowest cost.

Option 2

Full Coverage (Liability + Collision + Comp)

  • Includes everything in liability-only plus more
  • Collision pays for damage to your car in an accident
  • Comprehensive covers theft, hail, fire, and animal strikes
  • Required by most lenders on financed vehicles
  • Higher premium but far better financial protection
  • Optional add-ons: rental, roadside, gap, new car replacement

Best for: drivers with newer or financed vehicles who want full peace of mind.

Not sure which level fits your situation? We will compare quotes from multiple top carriers and explain exactly what each policy covers.

Compare My Auto Options →

Not sure which coverage is right for you?

We will review your vehicles, drivers, and budget, compare carriers, and give you a clear recommendation.

Get a Free Auto Review →

660-665-1687  ·  660-754-1000

Key Moments

When to Review Your Auto Coverage

Life changes can affect your auto rates and coverage needs. Here are the key moments to check in with us.

New Vehicle Purchase

Buying or leasing a new car? Coverage requirements change immediately. We will help you add the vehicle, drop the old one, and meet any lender requirements before you drive off the lot.

Major Life Change

Marriage, divorce, a new teen driver, or a job change can all affect your premium. A quick review can uncover discounts and ensure everyone in your household is properly covered.

Moving to a New Address

Auto rates are tied to where you park your car overnight. Moving across town or across state lines can raise or lower your premium. Always update us before your move date.

Adding or Removing a Driver

New driver in the household? Teen getting a license? College student moving out? Each of these changes how your policy is rated. Brawner makes the update painless.

Planning Tip: Even without a major event, review your auto policy every 12 months. Carriers change rates annually and a fresh comparison often saves real money.

Our Process

How We Help You Save

1

Review Your Drivers and Vehicles

We learn about your household, daily commute, vehicle values, and any teen or senior drivers.

2

Compare Carriers

We shop your coverage across 50+ top auto carriers to find the best rate and right policy fit.

3

Explain Your Options

We walk you through limits, deductibles, and add-ons so you know exactly what you are paying for.

4

Set Up and Support

We handle the switch, cancel old policies, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

Schedule a Consultation →
Getting Started

How Auto Coverage Works

1

Free Consultation

We start by understanding your vehicles, drivers, daily mileage, and budget so we can recommend the right auto coverage for you.

2

Plan Comparison

We compare quotes from multiple top auto carriers, explaining limits, deductibles, and add-ons in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork, cancel your old coverage, and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, ID cards, and annual policy reviews — you have a real advocate.

Client Reviews

Trusted by Clients Across Missouri, Iowa, Kansas & Illinois

See why drivers across the Midwest trust Brawner Insurance for auto coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Auto Insurance FAQ

What does auto insurance cover?

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Auto insurance typically includes liability (injuries and damage you cause others), collision (damage to your car), comprehensive (theft, weather, animal strikes), uninsured motorist, and medical payments. Brawner Insurance helps you choose the right mix of coverages and limits.

How much auto insurance do I need?

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At minimum you need your state's required liability limits, but most drivers benefit from higher limits plus collision and comprehensive. Brawner Insurance reviews your assets and risk to recommend coverage that actually protects you, not just the legal minimum.

How can I lower my auto premium?

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Common savings come from bundling home and auto, raising deductibles, removing unnecessary coverages on older vehicles, defensive-driving discounts, and shopping carriers every year or two. Brawner Insurance shops 50+ carriers to find your best rate.

Does my policy cover rental cars?

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Most full-coverage auto policies extend to short-term rental cars in the U.S. Liability-only policies usually do not. Brawner Insurance can confirm your specific coverage and recommend a low-cost rental endorsement if needed.

What happens if I have an accident?

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Call us right after you are safe. Brawner Insurance helps file the claim, coordinates with the carrier adjuster, arranges rental coverage if you have it, and follows the repair through to completion so you are not navigating the process alone.

Can Brawner Insurance help me find the right auto policy?

+

Yes — as an independent insurance agency, Brawner Insurance shops your coverage across 50+ top auto carriers to find the right protection at a competitive rate. We work with families across Missouri, Iowa, Kansas, and Illinois.

Get auto coverage you can trust.

Brawner Insurance helps drivers across the Midwest find the right auto insurance — liability, full coverage, and everything in between — with unbiased advice from independent agents.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

View Location →